Multi-Family Hard Money Loan Program:

Multi-family real estate properties are buildings that consist of two or more separate dwelling units. Investing in multi-family real estate provides many benefits including strong monthly cash-flow and long-term passive income. Our popular multi-family loan program provides a fast hard money alternative for real estate investors looking to capitalize on the growth in multi-family.

Lending Criteria & Guidelines:

  • Loan Amounts: $100,000 – $2,500,000+
  • Property Type: Multi-Family
  • Loan Type: Purchase or Cash-Out – 1st and 2nd Trust Deeds OK!
  • Loan-to-Value: Up to 65% on Refinance or 70% on Purchase
  • Terms: 1 to 4 years with Balloon – Interest Only Payments (amortization available)
  • Occupancy: Owner Occupied and Non-Owner Occupied
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: BPO (Broker Price Opinion) required – Appraisal for 5+ Units
  • Interest Rates: 1sts from 9.99% – 2nds from 12.50%*
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995+
  • Good to Know: Acquisition, Construction, Recapitalization, Rehabilitation and Repositioning
  • Guaranteed Interest: 3-6 months
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 7 Day Fundings
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]